It took a long time for #Fintech startups to become full #stack regulated #banks. This is happening much faster in #Insurance because Insurance is a stack with three layers and tech centric players understand stack dynamics in their bones and know how to build a sustainable position within a stack.Read MoreBank Innovation

There are two types of regulation. One is just another annoying cost/process for the #bank and a wonderful opportunity for consultants, lawyers, outsourcers &#38; IT providers. Another type of regulation fundamentally opens up the market for innovation and threatens the control of the incumbents. #PSD2 is the latter type. It is the key to&#160;the #unbundling&#8230;Read more How PSD2 #enables the unbundling &38; #rebundling of the&160;bankBank Innovation